In our U.S. health care system, the opportunities to profit are plentiful no matter the pain, illness, worry or other suffering inflicted. For me, I now face a decision I have faced at other points in my life, but this time I am older and allegedly wiser.

This is a story played out all over America in homes where hard working people who have health concerns are faced with unimaginable choices. Just a few short weeks ago, I had a really good job with decent health insurance benefits. My husband is on Medicare (he’s older), and we also have purchased a really good supplemental (not an Advantage plan) for him. He has heart problems, and having good insurance is literally a matter of life and death for him. So, he is our priority and has been for the past 20-plus years in terms of health coverage.